COBRA - Filing a Claim to obtain COBRA Benefits

COBRA Information and Resources

Welcome to VIPER Health Insurance - If you're interested in learning more about COBRA Continuation Health Coverage or VIPER® affordable COBRA alternatives, you've come to the right place. VIPER® Health Insurance is the industry standard alternative to COBRA, and the industry leading information site on COBRA Continuation Health Coverage. This website is jam-packed with useful information, FAQs, articles, resources, and services geared to help employees better understand their rights and the laws pertaining to COBRA Continuation Health Coverage.

COBRA - Filing a Claim to obtain Benefits

How do I file a COBRA claim for benefits?

Health plan rules must explain how to obtain benefits and must include written procedures for processing claims. Claims procedures must be described in the Summary Plan Description.

You should submit a claim for benefits in accordance with the plan's rules for filing claims. If the claim is denied, you must be given notice of the denial in writing generally within 90 days after the claim is filed. The notice should state the reasons for the denial, any additional information needed to support the claim, and procedures for appealing the denial.

You will have at least 60 days to appeal a denial and you must receive a decision on the appeal generally within 60 days after that.

Contact the plan administrator for more information on filing a claim for benefits. Complete plan rules are available from employers or benefits offices. There can be charges up to 25 cents a page for copies of plan rules.

COBRA information and Frequently Asked Questions FAQs

Learn more about COBRA continuation of health insurance by selecting a link below.

Qualifying Events for Employees

Qualifying Events for Spouses

Qualifying Events for Dependent Children

What group health plans are subject to COBRA?

What process must individuals follow to elect COBRA continuation coverage?

How long after a qualifying event do I have to elect COBRA coverage?

How do I file a COBRA claim for benefits?

Can individuals qualify for longer periods of COBRA continuation coverage?

Is a divorced spouse entitled to COBRA coverage from their former spouses’ group health plan?

If I waive COBRA coverage during the election period, can I still get coverage at a later date?

Under COBRA, what benefits must be covered?

When does COBRA coverage begin?

How long does COBRA coverage last?

Who pays for COBRA coverage?

If I elect COBRA, how much do I pay?

Can I receive COBRA benefits while on FMLA leave?

What is the Federal Government's role in COBRA?

I am a federal employee. Can I receive benefits under COBRA?

Am I eligible for COBRA if my company closed or went bankrupt and there is no health plan?

How do I find out about COBRA coverage and how do I elect to take it?

Frequently asked COBRA health insurance questions

VIPER Health Insurance makes buying health insurance very easy. Individuals can learn all the most accurate and up-to-date information and resources about COBRA insurance continuation of health coverage and medical insurance benefits. VIPER serves the public as the Industry Standard Alternative to COBRA, offering popular temporary health insurance plans, short-term major medical insurance, and the most affordable COBRA alternative health insurance plans. VIPER Health Insurance has developed a place where individuals, families, businesses, and college graduates & college students can select an available health insurance plan and uniquely design the coverage to suite their financial needs.

Any and all information about Temporary health insurance, short-term major medical insurance, COBRA insurance, and any other health insurance information or resources being offered through this website or any VIPER Health Insurance official affiliate websites is not intended as legal advice, but is provided for the general public as general information. Facts, circumstances, and the application of particular laws will differ in individual circumstances. Temporary health insurance plans, short-term major medical insurance plans, and affordable COBRA alternative health insurance plans may not be available in all state. To check if VIPER Health Insurance has an available plan in your state please see list below or check state availability.

Offering Temporary health insurance, short-term major medical insurance, and affordable COBRA alternative plans in most of the following states:

Alabama AL, Alaska AK, Arizona AZ, Arkansas AR, California CA, Colorado CO, Connecticut CT, Delaware DE, District of Columbia D.C., Florida FL, Georgia GA, Hawaii HI, Idaho ID, Illinois IL, Indiana IN, Iowa IA, Kansas KS, Kentucky KY, Louisiana LA, Maine ME, Maryland MD, Massachusetts MA, Michigan MI, Minnesota MN, Mississippi MS, Missouri MO, Montana MT, Nebraska NE, Nevada NV, New Hampshire NH, New Jersey NJ, New Mexico NM, New York NY, North Carolina NC, North Dakota ND, Ohio OH, Oklahoma OK, Oregon OR, Pennsylvania PA, Rhode Island RI, South Carolina SC, South Dakota SD, Tennessee TN, Texas TX, Utah UT, Vermont VT, Virginia VA, Washington WA, West Virginia WV, Wisconsin WI, Wyoming WY